Uniform Medical Plan

Learn about the Uniform Medical Plan (UMP) plans, administered by Regence BlueShield and ArrayRx. What's new for 2026 or watch the video: English | Español

On this page: Full benefits | Summary of benefits | Costs | Find providers | Plan options | About UMP
Return to Medical plans and benefits: School employees | SEBB Continuation Coverage

Video en Español.

Full benefits

The following documents—called a Certificate of Coverage (COC)—provide in-depth descriptions of the benefits for each plan.

2026

• UMP Achieve 1 COC (2026)
• UMP Achieve 2 COC (2026)
• UMP High Deductible COC (2026)

2025

• UMP Achieve 1 COC (2025)
• UMP Achieve 2 COC (2025)
• UMP High Deductible COC (2025)
• UMP Plus–Puget Sound High Value Network COC (2025)
• UMP Plus–UW Medicine Accountable Care Network COC (2025)

Summary of benefits

The following documents—called a Summary of Benefits and Coverage (SBC)—provide summaries of what each plan covers and what it costs.

2026

• UMP Achieve 1 SBC (2026)
• UMP Achieve 2 SBC (2026)
• UMP High Deductible SBC (2026)

2025

• UMP Achieve 1 SBC (2025)
• UMP Achieve 2 SBC (2025)
• UMP High Deductible SBC (2025)
• UMP Plus–Puget Sound High Value Network SBC (2025)
• UMP Plus–UW Medicine Accountable Care Network SBC (2025)

Costs

2026

• School employee monthly premiums (2026)
• SEBB Continuation Coverage monthly premiums (2026)

2025

• School employee monthly premiums (2025)
• SEBB Continuation Coverage monthly premiums (2025)

Find providers

Visit one of UMP's online provider directories.

• UMP Achieve 1
• UMP Achieve 2
• UMP High Deductible

Plan options 2026

UMP Achieve 1

UMP Achieve 1 uses Regence BlueShield’s largest network of providers. The plan offers a lower monthly premium than UMP Achieve 2, but has a higher coinsurance (the amount you pay your provider) than other UMP plans.

Annual costs

• Medical deductible: $750 per person | $2,250 family
• Prescription drug deductible: $250 per person | $750 family
• Medical out-of-pocket limit: $3,500 per person | $7,000 family
• Prescription drug out-of-pocket limit: $2,000 per person | $4,000/family

Key features

• Members may self-refer to most specialists.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee and hip replacement and spine care.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

UMP Achieve 1 is available in all Washington counties and nationwide.

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

UMP Achieve 2

UMP Achieve 2 uses Regence BlueShield’s largest network of providers, but has a lower deductible than UMP Achieve 1 and UMP High Deductible. For most services, you can see a specialist without a referral.

Annual costs

• Medical deductible: $250 per person | $750 family
• Prescription drug deductible: $100 per person | $300 family
• Medical out-of-pocket limit: $2,000 per person | $4,000/family
• Prescription drug out-of-pocket limit: $2,000 per person | $4,000/family

Key features

• Members may self-refer to most specialists.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee and hip replacement and spine care.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

UMP Achieve 2 is available in all Washington counties and nationwide.

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

UMP High Deductible

UMP High deductible uses Regence BlueShield’s largest network of providers. UMP High Deductible covers the same services as UMP Achieve 2, but has a lower monthly premium and a higher deductible.

When you enroll in UMP High Deductible, you are automatically enrolled in a health savings account (HSA) through our HSA partner HealthEquity who manages the account. This allows you to set aside pretax money to pay for qualified medical expenses, including prescription drugs and more. Visit HealthEquity or watch their on-demand webinar to discover the many uses for your HSA.

Additionally, the State of Washington contributes $375 for one enrollee and $750 for a family plan annually, which is distributed throughout the plan year. Once the money is in your account, it’s yours, and there is no deadline to use it.

Annual costs

• Medical deductible: $1,700 per person | $3,400 family
• Out-of-pocket limit: $4,200 per person | $8,400 family

Key features

• Members may self-refer to most specialists.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• You will pay a 15% coinsurance at a network pharmacy after you meet your deductible. Prescription drug benefit information.
• Centers of Excellence program for Knee and hip replacement and spine care.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

UMP High Deductible is available in all Washington counties and nationwide.

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

Plan options 2025

UMP Achieve 1

UMP Achieve 1 uses Regence BlueShield’s largest network of providers. The plan offers a lower monthly premium than UMP Achieve 2 and UMP Plus, but has a higher coinsurance (the amount you pay your provider) than other UMP plans.

Annual costs

• Medical deductible: $750 per person | $2,250 family
• Prescription drug deductible: $250 per person | $750 family
• Medical out-of-pocket limit: $3,500 per person | $7,000 family
• Prescription drug out-of-pocket limit: $2,000 per person | $4,000/family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee and hip replacement and spine care.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

UMP Achieve 1 is available in all Washington counties and nationwide.

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

UMP Achieve 2

UMP Achieve 2 uses Regence BlueShield’s largest network of providers, but has a lower deductible than UMP Achieve 1 and UMP High Deductible. For most services, you can see a specialist without a referral.

Annual costs

• Medical deductible: $250 per person | $750 family
• Prescription drug deductible: $100 per person | $300 family
• Medical out-of-pocket limit: $2,000 per person | $4,000/family
• Prescription drug out-of-pocket limit: $2,000 per person | $4,000/family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee and hip replacement and spine care.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

UMP Achieve 2 is available in all Washington counties and nationwide.

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

UMP High Deductible

UMP High deductible uses Regence BlueShield’s largest network of providers. UMP High Deductible covers the same services as UMP Achieve 2, but has a lower monthly premium and a higher deductible. When you enroll in UMP High Deductible, you are automatically enrolled in a health savings account (HSA) through our HSA partner HealthEquity who manages the account.

This allows you to set aside pretax money to pay for qualified medical expenses, including prescription drugs and more. Visit HealthEquity or watch their on-demand webinar to discover the many uses for your HSA. The State of Washington contributes $375 for an individual and $750 for a family annually, which is distributed throughout the plan year. Once the money is in your account, it’s yours, and there is no deadline to use it.

Annual costs

• Medical deductible: $1,600 per person | $3,200 family
• Out-of-pocket limit: $4,200 per person | $8,400 family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• You will pay a 15% coinsurance at a network pharmacy after you meet your deductible. Prescription drug benefit information.
• Centers of Excellence program for Knee and hip replacement and spine care.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

UMP High Deductible is available in all Washington counties and nationwide.

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

UMP Plus–Puget Sound High Value Network

UMP Plus–PSHVN is a network of providers offering high quality, coordinated care at a lower cost. You pay $0 for office visits with network primary care providers, including pediatricians. The UMP Plus–PSHVN network is a limited network compared to UMP Achieve 1, UMP Achieve 2, and UMP High Deductible. Visit the UMP Plus–PSHVN website to learn more about the network.

Annual costs

• Medical deductible: $125 per person | $375 family
• Medical out-of-pocket limit: $2,000 per person | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 per person | $4,000 family

Key features

• You pay $0 for office visits with network primary care providers, including pediatricians
• See a specialty without a referral, for most services.
• No prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

To enroll in this plan, you must live in the following counties:

• King
• Kitsap
• Pierce
• Snohomish
• Yakima

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

UMP Plus–UW Medicine Accountable Care Network

UMP Plus–UW Medicine ACN is a network of providers offering high quality, coordinated care at a lower cost. You pay $0 for office visits with network primary care providers, including pediatricians. The UMP Plus–UW Medicine ACN network is a limited network compared to UMP Achieve 1, UMP Achieve 2, and UMP High Deductible. Visit the UMP Plus–UW Medicine ACN website to learn more about the network.

Annual costs

• Medical deductible: $125 per person | $375 family
• Medical out-of-pocket limit: $2,000 per person | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 per person | $4,000 family

Key features

• You pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialty without a referral, for most services.
• No prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost of programs, like tobacco cessation and, if you qualify, diabetes prevention.

Available counties

In most cases, you must live or work in the medical plan’s service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

To enroll in this plan, you must live in these counties

• Benton
• Franklin
• King
• Pierce
• Skagit
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in a plan. You must report your new address no later than 60 days after your move.

About UMP

Uniform Medical Plan (UMP) is a collection of high-quality, self-insured preferred provider organization (PPO) health plans offered through Washington State’s School Employees Benefits Board (SEBB) Program. UMP is administered by Regence BlueShield and ArrayRx.

UMP is ready to meet your health care needs with affordable plan options. All plans pay for covered preventive services like annual checkups, and certain screenings and vaccines at no cost to you when you see a network provider.

When you choose a UMP plan, you get an active partner in your health care and a dedicated service team available to answer your questions quickly and help you make the most of your benefits.